General

This website (the “Site”), including WynterCrest.com and any affiliated domains, is owned and operated by Wynter Crest, LLC (“COMPANY,” “we,” or “us”). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or to impose new conditions on use of the Site from time to time, in which case we will post the revised Terms of Service on this website. By continuing to use the Site after we post any such changes, you accept the Terms of Service as modified.

Eligibility & Use of Services

- You must be at least 18 years of age and legally able to enter into binding contracts to use our services.
- You agree to provide only accurate, current, and complete information when using the Site or engaging with Wynter Crest, LLC.
- You may not use the Site for unlawful purposes or in violation of these Terms.

Intellectual Property Rights

This Site and all materials available on it are the property of Wynter Crest, LLC and/or our affiliates or licensors, protected by copyright, trademark, and intellectual property laws. The Site is provided solely for your personal, non-commercial use.

Unless explicitly authorized in these Terms of Service or by us, you may not copy, reproduce, republish, upload, post, transmit, sell, create derivative works, or distribute materials from this Site.

You may, however, download and/or print one copy of individual pages for personal, non-commercial use, provided that you keep intact all copyright and proprietary notices.

Your License to Us

By posting or submitting any material (including comments, blog entries, photos, and videos) via the Site, social media, email, text, or otherwise, you represent and warrant that:
1. You own the material or have the express consent of the owner to make the submission; and
2. You are at least thirteen years of age.

No Guarantee of Funding

Wynter Crest, LLC provides financial education, consulting, and access to funding opportunities. We do not guarantee approval, funding amounts, specific interest rates, or terms from any lender. Funding decisions are made solely by the financial institutions and third parties to which you may be referred.

You understand that Wynter Crest, LLC is not responsible for any decisions made by third-party lenders or funding partners.

Third-Party Relationships

Wynter Crest, LLC may provide access to or refer you to third-party financial institutions, partners, or affiliates. Any transactions between you and third-party lenders are solely between you and that party. Wynter Crest, LLC is not responsible for third-party terms, products, services, or outcomes.

Fees & Payments

All fees, including but not limited to consulting fees, processing fees, or program enrollment fees, will be clearly disclosed before payment. Unless otherwise specified, fees are non-refundable.

Indemnification

You agree to indemnify, defend, and hold harmless Wynter Crest, LLC, its officers, directors, employees, agents, licensors, and affiliates from and against any claims, liabilities, damages, losses, and expenses, including legal fees, arising from:
- Your use of the Site or services;
- Your violation of these Terms; or
- Your misuse of any funding or financial products obtained through our services.

Disclaimers

The Site may include links to third-party websites. Wynter Crest, LLC does not control or endorse these third-party sites and is not responsible for their content, products, or services.

All information provided on the Site is for informational and educational purposes only and should not be construed as financial, legal, or investment advice. Clients are encouraged to consult professional advisors before making financial decisions.

Electronic Communications Consent

By using the Site or services, you consent to receive communications electronically, including SMS, email, and platform notifications. You may opt out of promotional messages at any time, but operational messages (e.g., updates related to your account or funding application) may still be required.

Giveaway Terms

From time to time, Wynter Crest, LLC may conduct promotions or giveaways. Participation is subject to:
- Eligibility (18+, U.S. residents, no employees/contractors of Wynter Crest, LLC).
- Winners being present or responsive during live events when applicable.
- No cash equivalents or transfers for prizes.
- Release of Wynter Crest, LLC from any liability related to participation or prize use.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL WYNTER CREST, LLC, OUR PARENT OR AFFILIATED COMPANIES, OR PARTNERS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF, OR THE INABILITY TO USE, THE SITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Refund Policy

Each specific product, service, event, or course will specify its refund policy. Unless otherwise stated, all fees are non-refundable.

Dispute Resolution

All disputes shall be governed by and construed in accordance with the laws of Nevada, USA. Any controversy shall first be attempted to settle through mediation. If unresolved within 60 days, disputes shall be resolved exclusively in the courts of Clark County, Nevada.

At Wynter Crest, LLC’s discretion, disputes may alternatively be resolved through binding arbitration in Nevada.

Severability & Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Wynter Crest, LLC regarding the Site and services.

Final Disclaimer

Wynter Crest, LLC does not provide financial, legal, or investment advice. All content is for educational purposes only. Clients should seek advice from qualified professionals before making financial decisions.

For questions, contact:
[email protected]